Share Price and Basic Stock Data
Last Updated: December 27, 2025, 11:18 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
ESAF Small Finance Bank Ltd operates within the private sector banking industry, focusing on providing financial services to underserved segments. As of September 2023, the bank’s stock price stood at ₹26.2, with a market capitalization of ₹1,353 Cr. The bank recorded a revenue of ₹943 Cr for the quarter ending September 2023, demonstrating a consistent upward trajectory from ₹688 Cr in September 2022. This upward trend continued into December 2023, with revenue reaching ₹974 Cr, reflecting a year-over-year increase of approximately 42% from the prior year’s quarter. Over the past year, quarterly revenue growth has been robust, peaking at ₹1,022 Cr in June 2024, though a slight decline to ₹995 Cr was observed in September 2024. This volatility indicates the bank’s dependency on market conditions and operational efficiency to sustain revenue growth.
Profitability and Efficiency Metrics
ESAF Small Finance Bank reported a net profit of ₹140 Cr for September 2023, a significant improvement from ₹58 Cr in September 2022. However, this profit trajectory has not been consistent, as evidenced by a net loss of ₹591 Cr for the fiscal year ending March 2025. The return on equity (ROE) stood at 23.5% as of the latest reporting, which is commendable, but the projected ROE for March 2025 has declined to -23%. The bank’s operating profit margin (OPM) is not available, but the cost-to-income ratio stood at 77.88%, indicating potential inefficiencies in cost management. The bank’s financing margin percentage peaked at 12% in September 2023 but exhibited a downward trend into negative territory thereafter, suggesting challenges in maintaining profitability amidst rising operational costs.
Balance Sheet Strength and Financial Ratios
The balance sheet of ESAF Small Finance Bank reflects a total asset value of ₹27,178 Cr as of March 2025, with total liabilities of ₹27,178 Cr, indicating a balanced structure. The bank’s equity capital stood at ₹515 Cr, with reserves amounting to ₹1,434 Cr, reflecting a solid foundation for growth. The bank’s gross non-performing assets (NPA) ratio, which peaked at 8.54% in September 2025, indicates concerns regarding asset quality, particularly as it has increased from a low of 1.65% in June 2023. This deterioration in asset quality poses significant risks to future profitability. Additionally, the price-to-earnings (P/E) ratio is not provided, but the price-to-book value (P/BV) ratio of 0.64 suggests that the stock may be undervalued relative to its book value, potentially attracting value investors in the current market.
Shareholding Pattern and Investor Confidence
As of September 2025, ESAF Small Finance Bank’s shareholding pattern indicates a strong promoter holding of 63.30%, providing stability and control. Foreign institutional investors (FIIs) held a mere 0.16%, while domestic institutional investors (DIIs) accounted for 5.00%. The public shareholding stood at 31.53%, reflecting a diverse investor base. The total number of shareholders was reported at 1,13,955, illustrating a growing interest in the bank’s equity. However, the slight reduction in DII holdings from 10.98% in December 2023 to 5.00% by March 2025 may signal cautious sentiment among institutional investors, potentially influenced by the bank’s recent profitability struggles and rising NPAs. This fluctuation in investor confidence could impact the bank’s ability to raise capital and fund future growth initiatives.
Outlook, Risks, and Final Insight
The outlook for ESAF Small Finance Bank is mixed. On one hand, the bank has demonstrated robust revenue growth and a solid promoter backing, which are positive indicators for future performance. On the other hand, rising NPAs and a significant net loss projected for March 2025 raise concerns about sustainability. The bank faces risks associated with asset quality, operational efficiency, and fluctuating investor confidence. If the bank can effectively manage its NPAs and improve its cost structure, it may stabilize profitability and enhance shareholder value. Conversely, continued deterioration in asset quality and operational inefficiencies could hinder growth and erode investor confidence. Overall, the bank’s performance will depend on its ability to navigate these challenges while capitalizing on growth opportunities in the underserved market segments it serves.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,103 Cr. | 253 | 345/180 | 26.2 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,353 Cr. | 26.2 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,202 Cr. | 265 | 331/250 | 8.89 | 307 | 1.51 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 67,524 Cr. | 21.5 | 24.3/16.0 | 23.8 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,280 Cr. | 53.0 | 56.3/30.8 | 24.6 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,942.57 Cr | 415.26 | 18.30 | 241.49 | 0.60% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 688 | 701 | 774 | 899 | 943 | 974 | 1,002 | 1,022 | 995 | 950 | 892 | 828 | 820 |
| Interest | 251 | 250 | 275 | 313 | 347 | 377 | 411 | 434 | 456 | 463 | 458 | 450 | 456 |
| Expenses | 425 | 481 | 457 | 505 | 487 | 567 | 682 | 619 | 834 | 881 | 820 | 682 | 665 |
| Financing Profit | 12 | -30 | 42 | 81 | 109 | 30 | -91 | -30 | -294 | -394 | -386 | -304 | -301 |
| Financing Margin % | 2% | -4% | 5% | 9% | 12% | 3% | -9% | -3% | -30% | -42% | -43% | -37% | -37% |
| Other Income | 65 | 81 | 94 | 93 | 79 | 120 | 150 | 115 | 40 | 112 | 145 | 195 | 145 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 77 | 51 | 136 | 174 | 188 | 150 | 59 | 85 | -255 | -282 | -241 | -109 | -155 |
| Tax % | 25% | 27% | 26% | 25% | 26% | 25% | 26% | 26% | -25% | -25% | -24% | -26% | -25% |
| Net Profit | 58 | 37 | 101 | 130 | 140 | 112 | 43 | 63 | -190 | -211 | -183 | -81 | -116 |
| EPS in Rs | 1.28 | 0.83 | 2.26 | 2.89 | 3.12 | 2.18 | 0.84 | 1.22 | -3.69 | -4.09 | -3.55 | -1.58 | -2.25 |
| Gross NPA % | 8.11% | 7.24% | 2.49% | 1.65% | 2.64% | 4.16% | 4.76% | 6.61% | 6.98% | 6.96% | 6.87% | 7.48% | 8.54% |
| Net NPA % | 4.34% | 3.73% | 1.13% | 0.81% | 1.19% | 2.19% | 2.26% | 3.22% | 2.98% | 2.97% | 2.99% | 3.77% | 3.83% |
Last Updated: December 27, 2025, 2:06 am
Below is a detailed analysis of the quarterly data for ESAF Small Finance Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 456.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 450.00 Cr. (Jun 2025) to 456.00 Cr., marking an increase of 6.00 Cr..
- For Expenses, as of Sep 2025, the value is 665.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 682.00 Cr. (Jun 2025) to 665.00 Cr., marking a decrease of 17.00 Cr..
- For Other Income, as of Sep 2025, the value is 145.00 Cr.. The value appears to be declining and may need further review. It has decreased from 195.00 Cr. (Jun 2025) to 145.00 Cr., marking a decrease of 50.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is -155.00 Cr.. The value appears to be declining and may need further review. It has decreased from -109.00 Cr. (Jun 2025) to -155.00 Cr., marking a decrease of 46.00 Cr..
- For Tax %, as of Sep 2025, the value is -25.00%. The value appears to be increasing, which may not be favorable. It has increased from -26.00% (Jun 2025) to -25.00%, marking an increase of 1.00%.
- For Net Profit, as of Sep 2025, the value is -116.00 Cr.. The value appears to be declining and may need further review. It has decreased from -81.00 Cr. (Jun 2025) to -116.00 Cr., marking a decrease of 35.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is -2.25. The value appears to be declining and may need further review. It has decreased from -1.58 (Jun 2025) to -2.25, marking a decrease of 0.67.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:46 am
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 29 | 597 | 1,032 | 1,413 | 1,641 | 1,940 | 2,854 | 3,819 | 3,862 | 3,490 |
| Interest | 16 | 315 | 458 | 621 | 720 | 793 | 1,017 | 1,449 | 1,811 | 1,827 |
| Expenses | 31 | 357 | 538 | 646 | 879 | 1,248 | 1,676 | 2,190 | 3,152 | 3,048 |
| Financing Profit | -18 | -75 | 35 | 146 | 43 | -101 | 160 | 180 | -1,101 | -1,385 |
| Financing Margin % | -61% | -13% | 3% | 10% | 3% | -5% | 6% | 5% | -28% | -40% |
| Other Income | 19 | 102 | 109 | 133 | 127 | 208 | 288 | 442 | 467 | 597 |
| Depreciation | 0 | 0 | 17 | 23 | 29 | 33 | 42 | 51 | 59 | 0 |
| Profit before tax | 1 | 27 | 127 | 256 | 141 | 74 | 406 | 570 | -693 | -788 |
| Tax % | 0% | 0% | 29% | 26% | 25% | 26% | 26% | 25% | -25% | |
| Net Profit | 1 | 27 | 90 | 190 | 105 | 55 | 302 | 426 | -521 | -591 |
| EPS in Rs | 0.03 | 0.87 | 2.11 | 4.45 | 2.34 | 1.22 | 6.73 | 8.27 | -10.12 | -11.47 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 8% | 0% |
YoY Net Profit Growth
| Year | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 2600.00% | 233.33% | 111.11% | -44.74% | -47.62% | 449.09% | 41.06% | -222.30% |
| Change in YoY Net Profit Growth (%) | 0.00% | -2366.67% | -122.22% | -155.85% | -2.88% | 496.71% | -408.03% | -263.36% |
ESAF Small Finance Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2017-2018 to 2024-2025.
Growth
Last Updated: September 5, 2025, 3:26 pm
Balance Sheet
Last Updated: December 10, 2025, 4:16 am
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 302 | 312 | 428 | 428 | 449 | 449 | 449 | 515 | 515 | 516 |
| Reserves | 4 | 31 | 466 | 656 | 903 | 962 | 1,266 | 1,977 | 1,434 | 1,233 |
| Deposits | 409 | 2,523 | 4,317 | 7,028 | 8,999 | 12,815 | 14,666 | 19,868 | 23,276 | 22,894 |
| Borrowing | 2,053 | 1,675 | 1,702 | 1,203 | 1,694 | 2,953 | 3,354 | 3,223 | 1,406 | 2,113 |
| Other Liabilities | 227 | 183 | 145 | 154 | 293 | 528 | 489 | 505 | 547 | 374 |
| Total Liabilities | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 27,129 |
| Fixed Assets | 33 | 69 | 86 | 116 | 133 | 159 | 188 | 205 | 237 | 435 |
| CWIP | -0 | -0 | 4 | 4 | 6 | 0 | 0 | 3 | 63 | -0 |
| Investments | 579 | 732 | 1,531 | 1,734 | 1,932 | 4,070 | 4,889 | 5,541 | 5,995 | 6,396 |
| Other Assets | 2,382 | 3,924 | 5,438 | 7,616 | 10,268 | 13,478 | 15,147 | 20,338 | 20,883 | 20,298 |
| Total Assets | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 27,129 |
Below is a detailed analysis of the balance sheet data for ESAF Small Finance Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 516.00 Cr.. The value appears strong and on an upward trend. It has increased from 515.00 Cr. (Mar 2025) to 516.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 1,233.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,434.00 Cr. (Mar 2025) to 1,233.00 Cr., marking a decrease of 201.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 374.00 Cr.. The value appears to be improving (decreasing). It has decreased from 547.00 Cr. (Mar 2025) to 374.00 Cr., marking a decrease of 173.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 27,129.00 Cr.. The value appears to be improving (decreasing). It has decreased from 27,178.00 Cr. (Mar 2025) to 27,129.00 Cr., marking a decrease of 49.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 435.00 Cr.. The value appears strong and on an upward trend. It has increased from 237.00 Cr. (Mar 2025) to 435.00 Cr., marking an increase of 198.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 63.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 63.00 Cr..
- For Investments, as of Sep 2025, the value is 6,396.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,995.00 Cr. (Mar 2025) to 6,396.00 Cr., marking an increase of 401.00 Cr..
- For Other Assets, as of Sep 2025, the value is 20,298.00 Cr.. The value appears to be declining and may need further review. It has decreased from 20,883.00 Cr. (Mar 2025) to 20,298.00 Cr., marking a decrease of 585.00 Cr..
- For Total Assets, as of Sep 2025, the value is 27,129.00 Cr.. The value appears to be declining and may need further review. It has decreased from 27,178.00 Cr. (Mar 2025) to 27,129.00 Cr., marking a decrease of 49.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -378.00 | 355.00 | 534.00 | 639.00 | 871.00 | -11.00 | -13.00 | -17.00 | -20.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 8% | 15% | 19% | 9% | 4% | 19% | 20% | -23% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Motilal Oswal Nifty Microcap 250 Index Fund | 142,909 | 0.05 | 0.74 | 142,909 | 2025-04-22 15:56:50 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -10.13 | 8.96 | 6.73 | 1.22 | 2.46 |
| Diluted EPS (Rs.) | -10.12 | 8.94 | 6.71 | 1.22 | 2.46 |
| Cash EPS (Rs.) | -8.97 | 9.26 | 7.66 | 1.95 | 2.98 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 37.81 | 48.41 | 38.16 | 31.41 | 30.08 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 37.81 | 48.41 | 38.16 | 31.41 | 30.08 |
| Dividend / Share (Rs.) | 0.70 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Revenue / Share (Rs.) | 74.93 | 74.17 | 63.49 | 43.16 | 36.51 |
| Net Profit / Share (Rs.) | -10.12 | 8.27 | 6.73 | 1.22 | 2.34 |
| Interest Income / Employee (Rs.) | 3084840.26 | 6399240.49 | 5668770.36 | 4684678.82 | 4315469.37 |
| Net Profit / Employee (Rs.) | -416445.29 | 713202.11 | 600582.04 | 132170.49 | 277139.10 |
| Business / Employee (Rs.) | 32990664.54 | 63953268.31 | 56793714.74 | 59048725.67 | 45140709.97 |
| Interest Income / Branch (Rs.) | 49075222.36 | 50709519.26 | 40766557.14 | 33737834.78 | 29839509.09 |
| Net Profit / Branches (Rs.) | -6625025.41 | 5651629.48 | 4319042.86 | 951857.39 | 1916290.91 |
| Business / Branches (Rs.) | 524832426.94 | 506785062.42 | 408427942.86 | 425253518.26 | 312127490.91 |
| Net Profit Margin (%) | -13.49 | 11.14 | 10.59 | 2.82 | 6.42 |
| Operating Profit Margin (%) | -20.70 | 15.13 | 14.23 | 4.04 | 10.05 |
| Return On Assets (%) | -1.91 | 1.63 | 1.49 | 0.30 | 0.85 |
| Return On Equity / Networth (%) | -26.75 | 17.07 | 17.62 | 3.87 | 7.79 |
| Net Interest Margin (X) | 7.54 | 9.08 | 9.08 | 6.47 | 7.46 |
| Cost To Income (%) | 77.88 | 58.64 | 57.92 | 63.69 | 60.30 |
| Interest Income / Total Assets (%) | 14.21 | 14.63 | 14.11 | 10.95 | 13.30 |
| Non-Interest Income / Total Assets (%) | 1.71 | 1.69 | 1.42 | 1.17 | 1.02 |
| Operating Profit / Total Assets (%) | -3.63 | -0.06 | 0.07 | -0.86 | -0.16 |
| Operating Expenses / Total Assets (%) | 7.21 | 6.32 | 6.08 | 4.87 | 5.12 |
| Interest Expenses / Total Assets (%) | 6.66 | 5.55 | 5.03 | 4.47 | 5.83 |
| Enterprise Value (Rs.Cr.) | 24595.08 | 24515.80 | 0.00 | 0.00 | 0.00 |
| EV Per Net Sales (X) | 6.37 | 6.42 | 0.00 | 0.00 | 0.00 |
| Price To Book Value (X) | 0.64 | 1.12 | 0.00 | 0.00 | 0.00 |
| Price To Sales (X) | 0.32 | 0.73 | 0.00 | 0.00 | 0.00 |
| Retention Ratios (%) | 106.91 | 100.00 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | -0.41 | 0.15 | 0.00 | 0.00 | 0.00 |
After reviewing the key financial ratios for ESAF Small Finance Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is -10.13. This value is below the healthy minimum of 5. It has decreased from 8.96 (Mar 24) to -10.13, marking a decrease of 19.09.
- For Diluted EPS (Rs.), as of Mar 25, the value is -10.12. This value is below the healthy minimum of 5. It has decreased from 8.94 (Mar 24) to -10.12, marking a decrease of 19.06.
- For Cash EPS (Rs.), as of Mar 25, the value is -8.97. This value is below the healthy minimum of 3. It has decreased from 9.26 (Mar 24) to -8.97, marking a decrease of 18.23.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 37.81. It has decreased from 48.41 (Mar 24) to 37.81, marking a decrease of 10.60.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 37.81. It has decreased from 48.41 (Mar 24) to 37.81, marking a decrease of 10.60.
- For Dividend / Share (Rs.), as of Mar 25, the value is 0.70. This value is below the healthy minimum of 1. It has increased from 0.00 (Mar 24) to 0.70, marking an increase of 0.70.
- For Net Profit / Share (Rs.), as of Mar 25, the value is -10.12. This value is below the healthy minimum of 2. It has decreased from 8.27 (Mar 24) to -10.12, marking a decrease of 18.39.
- For Net Profit Margin (%), as of Mar 25, the value is -13.49. This value is below the healthy minimum of 5. It has decreased from 11.14 (Mar 24) to -13.49, marking a decrease of 24.63.
- For Return On Assets (%), as of Mar 25, the value is -1.91. This value is below the healthy minimum of 5. It has decreased from 1.63 (Mar 24) to -1.91, marking a decrease of 3.54.
- For Retention Ratios (%), as of Mar 25, the value is 106.91. This value exceeds the healthy maximum of 70. It has increased from 100.00 (Mar 24) to 106.91, marking an increase of 6.91.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in ESAF Small Finance Bank Ltd:
- Net Profit Margin: -13.49%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 18.3)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: -13.49%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | Building No.VII/83/8, Thrissur/Trichur Kerala 680651 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Ravimohan Periyakavil Ramakrishnan | Non Exe. Ind. Part Time Chairman |
| Dr. Kadambelil Paul Thomas | Managing Director & CEO |
| Mr. George K John | Executive Director |
| Dr. Joseph Vadakkekara Antony | Non Executive Director |
| Mr. Biju Varkkey | Ind. Non-Executive Director |
| Mr. Ravi Venkatraman | Ind. Non-Executive Director |
| Mr. Vinod Vijayalekshmi Vasudevan | Ind. Non-Executive Director |
| Mr. Thomas Jacob Kalappila | Ind. Non-Executive Director |
| Mr. John Samuel | Non Exe. & Nominee Director |
| Mr. Ajayan Mangalath Gopalakrishnan Nair | Non Exe. & Nominee Director |
| Mrs. Kolasseril Chandramohanan Ranjani | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of ESAF Small Finance Bank Ltd?
ESAF Small Finance Bank Ltd's intrinsic value (as of 29 December 2025) is 97.51 which is 272.18% higher the current market price of 26.20, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,353 Cr. market cap, FY2025-2026 high/low of 43.0/24.3, reserves of ₹1,233 Cr, and liabilities of 27,129 Cr.
What is the Market Cap of ESAF Small Finance Bank Ltd?
The Market Cap of ESAF Small Finance Bank Ltd is 1,353 Cr..
What is the current Stock Price of ESAF Small Finance Bank Ltd as on 29 December 2025?
The current stock price of ESAF Small Finance Bank Ltd as on 29 December 2025 is 26.2.
What is the High / Low of ESAF Small Finance Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of ESAF Small Finance Bank Ltd stocks is 43.0/24.3.
What is the Stock P/E of ESAF Small Finance Bank Ltd?
The Stock P/E of ESAF Small Finance Bank Ltd is .
What is the Book Value of ESAF Small Finance Bank Ltd?
The Book Value of ESAF Small Finance Bank Ltd is 33.9.
What is the Dividend Yield of ESAF Small Finance Bank Ltd?
The Dividend Yield of ESAF Small Finance Bank Ltd is 0.00 %.
What is the ROCE of ESAF Small Finance Bank Ltd?
The ROCE of ESAF Small Finance Bank Ltd is 4.28 %.
What is the ROE of ESAF Small Finance Bank Ltd?
The ROE of ESAF Small Finance Bank Ltd is 23.5 %.
What is the Face Value of ESAF Small Finance Bank Ltd?
The Face Value of ESAF Small Finance Bank Ltd is 10.0.